All comparisonsBCTM.

BCTM vs. Square Invoices: Comparing Fees and Features

Square prices its invoicing tools under its general Free/Plus/Premium subscription structure — $0, $49, and $149 per month respectively — with card rates for invoices ranging from 3.3%+30¢ on the Free plan down to 2.9%+30¢ on Plus and Premium (squareup.com/us/en/pricing). BCTM is a dedicated contractor invoicing platform using Stripe Connect for payments. Square's genuine advantage is a real $0/mo tier with no subscription commitment; the comparison otherwise comes down to processing rates and contractor-specific workflow features.

Pricing verified 2026-08-01; vendor pricing changes frequently — verify before relying on it.

Side by side

ACH rate (invoices)

BCTM
1.8% (1% BCTM platform fee + 0.8% Stripe, Stripe portion capped at $5.00)
Square Invoices
1%, $1 min; capped at $10 (Plus) or $5 (Premium)

Square's ACH fee caps make it cost-effective for large invoices.

Estimates/contracts

BCTM
Yes, with estimate-to-invoice conversion
Square Invoices
Yes — estimates and contracts listed as Square Invoices features

Both support estimating workflows.

Offline mode

BCTM
Offline invoice drafting in the PWA — drafting only; collecting a payment needs a connection
Square Invoices
Offline payments included on every plan (per Square footnote)

SMS

BCTM
Yes, with consent capture
Square Invoices
not listed on their pricing page (verified 2026-08-01)

Not confirmed as an Invoices-specific feature on Square's pricing page.

Free tier

BCTM
$0/mo permanently — you pay a per-transaction fee only when a customer pays you
Square Invoices
Yes — genuine $0/mo plan, no subscription required

A real Square strength.

The verdict

Square Invoices is the stronger pick for contractors who want to start with a genuinely free plan and don't mind a higher card rate (3.3%+30¢) until they're ready to pay for Plus or Premium to unlock the lower 2.9%+30¢ rate. BCTM is the better fit for contractors who need estimate-to-invoice conversion built around field service work, recurring invoicing, SMS reminders, and offline drafting — Square's own invoicing pricing page does not confirm SMS or offline invoice drafting as invoicing-specific features. Contractors processing high invoice volumes should model actual costs under both fee schedules since Square's ACH caps ($5–$10 depending on plan) can make Square cheaper for large transactions.

Questions people ask

Is Square Invoices free?

Yes — Square's Free plan is $0/mo with no subscription fee, though card and ACH transaction fees still apply.

Square's pricing page confirms a $0/mo Free plan with a 3.3%+30¢ card rate and 1% ACH rate ($1 minimum) for invoices (Square pricing). Upgrading to Plus ($49/mo) or Premium ($149/mo) lowers the card rate to 2.9%+30¢ and reduces the ACH fee cap.

What's the difference between Square Free, Plus, and Premium for invoicing?

The subscription price and per-transaction card/ACH rates differ; Plus and Premium get a lower card rate and lower ACH fee caps.

Per Square's own pricing page: Free ($0/mo) charges 3.3%+30¢ per card transaction and 1% ACH ($1 minimum, no cap stated); Plus ($49/mo) charges 2.9%+30¢ per card transaction and 1% ACH (capped at $10); Premium ($149/mo) charges the same 2.9%+30¢ card rate but caps ACH fees at $5 (Square pricing). Higher subscription tiers pay off primarily through lower per-transaction costs at volume.

Does Square Invoices support offline payments?

Yes — Square states offline payments are included with every plan.

Square's pricing page includes a footnote confirming offline payment support across Free, Plus, and Premium plans (Square pricing). BCTM's offline capability centers on full invoice drafting while offline (not just payment capture), which is a different scope of offline support.

Does Square charge different ACH fees depending on the plan?

Yes — all plans charge 1% with a $1 minimum, but the maximum fee cap differs: $10 on Plus and $5 on Premium (uncapped on Free).

Square's pricing page specifies ACH fees of 1% (minimum $1) on all plans, with a $10 cap on Plus and a lower $5 cap on Premium; no cap is stated for the Free plan (Square pricing). For contractors sending large invoices paid via ACH, the fee caps on paid plans can meaningfully reduce processing costs.

Where these numbers came from

Pricing verified 2026-08-01; vendor pricing changes frequently — verify before relying on it.

Try it on your next job

No subscription. You pay a per-transaction fee only when a customer pays you.

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